OTCPK:RGBC

Stock Analysis Report

Executive Summary

Regional Bankshares, Inc. operates as the holding company for Heritage Community Bank, which provides general banking services primarily in Hartsville and McBee, South Carolina and the surrounding areas.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

How has Regional Bankshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

RGBC

1.4%

US Banks

1.0%

US Market


1 Year Return

n/a

RGBC

0.2%

US Banks

6.7%

US Market


Share holder returns

RGBCIndustryMarket
7 Day0%1.4%1.0%
30 Day0%-2.6%-1.8%
90 Day0%0.8%-1.8%
1 Yearn/a3.1%0.2%9.1%6.7%
3 Year92.9%92.9%52.0%41.5%46.1%36.6%
5 Yearn/a69.7%51.2%66.9%48.6%

Price Volatility Vs. Market

How volatile is Regional Bankshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Regional Bankshares undervalued based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

Information is not available.

Information is not available.


Price Based on Earnings

Information is not available.

Information is not available.


Price Based on Expected Growth

Information is not available.


Price Based on Value of Assets

Information is not available.


Next Steps

Future Growth

How is Regional Bankshares expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.3%

Forecasted Banks industry annual growth in earnings


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Information is not available.

Information is not available.

High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.

Information is not available.

Information is not available.


Earnings per Share Growth Estimates


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has Regional Bankshares performed over the past 5 years?

15.5%

Historical Banks annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Information is not available.

Information is not available.

Information is not available.


Return on Equity

Information is not available.


Return on Assets

Information is not available.


Return on Capital Employed

Information is not available.


Next Steps

Financial Health

How is Regional Bankshares's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Information is not available.

Information is not available.


Financial Institutions Analysis

Asset Level: Insufficient data to determine if RGBC's level of assets compared to its equity is low

Allowance for Bad Loans: Insufficient data to determine if RGBC has a sufficient allowance for bad loans.

Low Risk Liabilities: RGBC reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if RGBC has an acceptable proportion of non-loan assets held.

Low Risk Deposits: RGBC has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if RGBC has an appropriate level of bad loans.


Next Steps

Dividend

What is Regional Bankshares's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.5%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Information is not available.

Information is not available.

Stable Dividend: Insufficient data to determine if RGBC's dividends per share have been stable in the past.

Information is not available.


Current Payout to Shareholders

Information is not available.


Future Payout to Shareholders

Information is not available.


Next Steps

Management

What is the CEO of Regional Bankshares's salary, the management and board of directors tenure and is there insider trading?

17.9yrs

Average board tenure


CEO

Curtis Tyner (69yo)

17.9yrs

Tenure

US$175,353

Compensation

Mr. Curtis A. Tyner, Sr. serves as President, Chief Executive Officer, Chief Financial Officer, Principal Accounting Officer, and Treasurer of Regional Bankshares Inc. Mr. Tyner serves as the President, Ch ...


Board Age and Tenure

17.9yrs

Average Tenure

74yo

Average Age

Information is not available.


Insider Trading

Information is not available.


Management Team

  • Curtis Tyner (69yo)

    President & CEO

    • Tenure: 17.9yrs
    • Compensation: US$175.35k
  • J. Jones (65yo)

    Corporate Secretary

    • Tenure: 0yrs
    • Compensation: US$3.80k
  • N. Helms

    Head of Consumer Lending of Heritage Community Bank and Senior VP of Heritage Community Bank

    • Tenure: 0yrs
  • Jim Roberts

    Senior VP & CFO

    • Tenure: 0yrs

Board Members

  • Curtis Tyner (69yo)

    President & CEO

    • Tenure: 17.9yrs
    • Compensation: US$175.35k
  • Randolph Rogers (70yo)

    Director & Director of Heritage Community Bank

    • Tenure: 0yrs
    • Compensation: US$3.70k
  • Patricia West (74yo)

    Director & Director of Heritage Community Bank

    • Tenure: 0yrs
    • Compensation: US$3.30k
  • Franklin Hines (84yo)

    Director & Director of Heritage Community Bank

    • Tenure: 0yrs
    • Compensation: US$4.30k
  • Howard Tucker (80yo)

    Director

    • Tenure: 17.9yrs
    • Compensation: US$4.50k
  • J. Jones (65yo)

    Corporate Secretary

    • Tenure: 0yrs
    • Compensation: US$3.80k
  • Woodward Morgan (76yo)

    Director

    • Tenure: 0yrs
    • Compensation: US$3.10k
  • Goz Segars (73yo)

    Chairman of the Board

    • Tenure: 17.9yrs
    • Compensation: US$5.50k
  • Terry Hancock (81yo)

    Director

    • Tenure: 11.9yrs
  • Robert Brown

    Director

    • Tenure: 0yrs

Company Information

Regional Bankshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Regional Bankshares, Inc.
  • Ticker: RGBC
  • Exchange: OTCPK
  • Founded: 1999
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$8.559m
  • Shares outstanding: 633.98k
  • Website: https://www.heritageonline.biz

Location

  • Regional Bankshares, Inc.
  • 206 South Fifth Street
  • Hartsville
  • South Carolina
  • 29550
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
RGBCOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 2008

Biography

Regional Bankshares, Inc. operates as the holding company for Heritage Community Bank, which provides general banking services primarily in Hartsville and McBee, South Carolina and the surrounding areas. T ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2018/12/05 12:06
End of Day Share Price2018/09/17 00:00
Earnings2007/06/30
Annual Earnings2006/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

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